Institutions Fox Communities Credit Union

Does Fox Communities Credit Union Use ChexSystems? Is it Good for Bad Credit?

Considering Fox Communities Credit Union or already applying for its account? Find out whether Fox Communities Credit Union uses ChexSystems and offers a second chance checking or savings account.

You walk into your local bank branch and sit down with your bank representative to talk about opening a checking account. Maybe you’ve been through some financial difficulties in the past, but you are ready to get back on track. But maybe not. You may think your financials are in good shape.

You wait with bated breath through the application process, only to let it out in a sigh of disappointment.

The banking representative turns to you and says, “I’m sorry, but we can’t open an account for you right now. You were rejected by ChexSystems.”

At that point, the banker probably explained ChexSystems to you in detail. If you haven't already, you can read our in-depth guide to ChexSystems and ChexSystems removal, and why it may be having a negative impact on your financial life.

Denials like these are surprisingly common. In fact, CNN has reported that approximately 15% of bank applicants are denied regular bank accounts.

Fox Communities Credit Union

Several members of our community have reported that Fox Communities Credit Union DOES use ChexSystems but you can still qualify for an account if you don't owe any money to the bank. A second chance checking or savings account is another option to consider. Check out their financial products below and visit the official website to learn more.


Method of Verification Credit Report
Notes -
Official Response (Email or Phone)

We do not use ChexSystems when opening a account however we do look at the credit report. There isn't a score that approves or declines an account automatically. Everything is based on the history of the report. If we can have you stop in we can take a look at your situation and let you know if we can get that opened or not.

Top Banks That Don’t Use ChexSystems

Below you will find banks that don’t use ChexSystems as an alternative to Fox Communities Credit Union in any step of the process. You can be sure that these banks won’t ever cross reference your records before deciding whether to let you open an account.

The list is suggested by our readers. Please consider the Unchex editor's curated list of banks that don't use ChexSystems for all the banking options available nationwide.

Editor's Choice


Chime is a fast-growing internet-only bank. Unlike big banks, Chime was created during the smartphone era and, therefore, features an app that is more than just a way for customers to review their bank accounts.

Features and Benefits:

  • Free Visa® debit card
  • Free online banking and mobile banking/deposits
  • No monthly account balance minimums

Why is it recommended for you?

Chime accepts all customers who apply. Even if you have bad or poor credit or have been blacklisted by ChexSystems or credit bureaus.

Apply Now

The Basics

Main Office 3401 E Calumet St Appleton, WI 54915-4757
Deposit Insurance NCUA
Established On -
CEO Greg A Hilbert
Headquarter Wisconsin
Number of Members 74,245
Community Bank -
Institution Class Federally Insured State-Chartered Credit Union
Institution Type Credit Union
Credit Union Programs Investments not authorized by the FCU Act, Approved Mortgage Seller, Brokered Deposits (all deposits acquired through a third party), Brokered Certificates of Deposit, Mortgage Processing
Low Income Designation No
Member of FHLB Yes
Total Assets $1,013,394,555
Asset Concentration -
Charter Number 66731
Routing Number 275977256
Membership Eligibility Membership Eligibility of the credit union:
*We welcome all persons residing or employed in Brown, Calumet, Kewaunee, Manitowoc, Oconto, Outagamie, Shawano, Waupaca and Winnebago counties.
*All employees of eligible payroll sponsored companies.
*All immediate family members of anyone who is eligible for membership.


Services & Products

Accounts Offered -
Electronic Services New Loan, Loan Payments, Remote Deposit Capture, View Account History, Share Draft Orders, Member Application, e-Statements, Download Account History, Bill Payment, Account Balance Inquiry, Share Account Transfers
Access to Electronic Services Mobile Banking, Automatic Teller Machine (ATM), Home Banking via Internet Website, Audio Response/Phone Based
Services & Products: Credit Debt Cancellation/Suspension, Participation Loans, Real Estate Loans, Overdraft Protection/ Courtesy Pay, Interest Only or Pymt Option, Indirect Consumer Loans, Risk Based Loans, Business Loans
Services & Products: Depository No Cost Share Drafts, Business Share Accounts, Share Certificates with low minimum balance requirement, Health Savings Accounts
Services & Products: Financial Education In-School Branches, Financial Education, First Time Homebuyer Program, Financial Counseling
Services & Products: Other No Cost Bill Payer, Insurance/Investment Sales, Bilingual Services
Services & Products: Transactional ATM/Debit Card Program, No surcharge ATMs, Money orders